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Overview / Commentary
323-463-5137
589 N Larchmont Blvd
Los Angeles, CA 90004-1305

Polam Federal Credit Union is headquartered in LOS ANGELES and is the 195th largest credit union in the state of California. It is also the 2,234th largest credit union in the nation. It was established in 1969 and as of December of 2016, it had grown to 8 employees and 2,072 members at 2 locations. Polam Federal Credit Union's CD rates are 17% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to Southern California residents who are individual or supporting members of our sponsor, the Polish American Congress (supporting donation of $20 can be made at time of membership opening).
See current membership details

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Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Polam Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #19739
Year Chartered1969
Employees8
Primary Regulator
Profit Margin
Return on Assets - YTD0.55%
Return on Equity - YTD4.79%
Annual Interest Income$1.7MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$54.2MM$52.9MM
LoansQ4 2016vs Q4 2015$33.0MM$31.8MM
DepositsQ4 2016vs Q4 2015$47.9MM$46.9MM
Equity CapitalQ4 2016vs Q4 2015$6.3MM$6.0MM
Loan Loss AllowanceQ4 2016vs Q4 2015$689.00K$706.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$8.00K$6.00K
Real Estate OwnedQ4 2016vs Q4 2015$129.00K$125.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Polam Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%--IRA Account
1.25%--Roth IRA Account
1.25%--Education IRA Account
0.30%$100-Savings Account

Polam Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$75k*-Money Market Account
OTHER TIERS: 0.20% $2,500 - $25k | 0.25% $25k - $75k

Polam Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.97%*$25k*-5 Year CD
OTHER TIERS: 1.92% $2,500 - $25k
1.76%*$25k*-4 Year CD
OTHER TIERS: 1.71% $2,500 - $25k
1.46%*$25k*-3 Year CD
OTHER TIERS: 1.41% $2,500 - $25k
1.26%*$25k*-2 Year CD
OTHER TIERS: 1.21% $2,500 - $25k
1.05%*$25k*-1 Year CD
OTHER TIERS: 1.00% $2,500 - $25k
0.65%*$25k*-6 Month CD
OTHER TIERS: 0.60% $2,500 - $25k
Locations


Polam Federal Credit Union Locations
Branch Office589 N LARCHMONT BLVDLOS ANGELES, CA 90004-1305
Branch Office1700 N TUSTIN STORANGE, CA 92865-4603